National Mediclaim Policy
National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was launched by the National Insurance Company to offer financial comfort to the insured at the time of a medical emergency. The Policy provides for Pre Hospitalisation (45 days) and Post Hospitalisation (60 days) expenses, 140+ Day Care procedures, organ donor's medical expenses, ambulance charges, Morbid Obesity treatment, correction of Refractive Error and provides for reinstatement of Basic Sum Insured (above SI of 6L), if applicable as per terms.
Choose your National Mediclaim Policy
With wide coverage options, National Insurance Mediclaim Policy lets you customize your health insurance plan as per your needs and requirements:
How to report a claim?
You can file cashless and reimbursement claims with National Insurance Mediclaim Policies. Here are the ways to do so:
Cashless Claims
These are the fastest modes of making a claim. The policyholder can visit the network hospital of the company, avail of the treatment and after verification, the money will be deposited directly into the hospital's account. Here are the steps to file a cashless claim:
Step 1: Notify the insurer 72 hours before the hospitalization. In case of an emergency, inform the company within 24 hours of hospitalization.
Step 2: On admission, a pre-hospitalization intimation will be sent to the TPA by the hospital. They will provide the estimation of the expenses and the treatment procedures. Gather all the necessary documents that support the claims.
Step 3: Submit all the documents along with the duly filled claim form.
Step 4: The company will verify all the documents.
Step 5: After verification of the documents, the company will transfer the amount directly to the hospital. Following the submission of the documents, this will take about 15 days.
Reimbursement Claims
With reimbursement claims, the policyholder gets the privilege to avail of treatment at any non-network hospital. Here are the steps:
Step 1: Inform the company/TPA 72 hours before the admission, and for emergency hospitalization, 24 hours within the hospitalization.
Step 2: After the treatment, gather all the documents, such as medical reports and doctor's consultations, hospital bills. Pre and post-hospitalization expenses can be claimed separately.
Step 3: Submit all the documents and bills, to the insurer, within 15 days of discharge.
Step 4: The company will verify all the details and documents.
Step 5: After verification of the documents, the company will transfer the amount to the policyholder's account.
National Insurance policies come with some amazing features. Read on to find out:
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